LTV · monthly repayment
▼ 0.50% · 3.625%
HK$116,565
−HK$7,310/mo
▼ 0.25% · 3.875%
HK$120,191
−HK$3,684/mo
Today · 4.125%
HK$123,875
baseline
▲ 0.50% · 4.625%
HK$131,412
+HK$7,537/mo
Deposit HK$25.56M · loan HK$25.56M · min. income ≈ HK$247,750/mo (50% DSR)
Upfront cash ≈ HK$27.73M (deposit + AVD stamp duty HK$2,172,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,678
−HK$7,006/mo
▼ 0.25% · 3.875%
HK$133,155
−HK$3,529/mo
Today · 4.125%
HK$136,684
baseline
▲ 0.50% · 4.625%
HK$143,888
+HK$7,204/mo
Deposit HK$25.56M · loan HK$25.56M · min. income ≈ HK$273,368/mo (50% DSR)
Upfront cash ≈ HK$27.73M (deposit + AVD stamp duty HK$2,172,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,878
−HK$8,772/mo
▼ 0.25% · 3.875%
HK$144,229
−HK$4,421/mo
Today · 4.125%
HK$148,650
baseline
▲ 0.50% · 4.625%
HK$157,695
+HK$9,045/mo
Deposit HK$20.45M · loan HK$30.67M · min. income ≈ HK$297,300/mo (50% DSR)
Upfront cash ≈ HK$22.62M (deposit + AVD stamp duty HK$2,172,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,613
−HK$8,407/mo
▼ 0.25% · 3.875%
HK$159,786
−HK$4,234/mo
Today · 4.125%
HK$164,020
baseline
▲ 0.50% · 4.625%
HK$172,666
+HK$8,646/mo
Deposit HK$20.45M · loan HK$30.67M · min. income ≈ HK$328,040/mo (50% DSR)
Upfront cash ≈ HK$22.62M (deposit + AVD stamp duty HK$2,172,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,191
−HK$10,234/mo
▼ 0.25% · 3.875%
HK$168,267
−HK$5,158/mo
Today · 4.125%
HK$173,425
baseline
▲ 0.50% · 4.625%
HK$183,977
+HK$10,552/mo
Deposit HK$15.34M · loan HK$35.78M · min. income ≈ HK$346,850/mo (50% DSR)
Upfront cash ≈ HK$17.51M (deposit + AVD stamp duty HK$2,172,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,549
−HK$9,808/mo
▼ 0.25% · 3.875%
HK$186,418
−HK$4,939/mo
Today · 4.125%
HK$191,357
baseline
▲ 0.50% · 4.625%
HK$201,444
+HK$10,087/mo
Deposit HK$15.34M · loan HK$35.78M · min. income ≈ HK$382,714/mo (50% DSR)
Upfront cash ≈ HK$17.51M (deposit + AVD stamp duty HK$2,172,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,817
−HK$13,158/mo
▼ 0.25% · 3.875%
HK$216,344
−HK$6,631/mo
Today · 4.125%
HK$222,975
baseline
▲ 0.50% · 4.625%
HK$236,542
+HK$13,567/mo
Deposit HK$5.11M · loan HK$46.01M · min. income ≈ HK$445,950/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$2,172,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,420
−HK$12,610/mo
▼ 0.25% · 3.875%
HK$239,680
−HK$6,350/mo
Today · 4.125%
HK$246,030
baseline
▲ 0.50% · 4.625%
HK$258,999
+HK$12,969/mo
Deposit HK$5.11M · loan HK$46.01M · min. income ≈ HK$492,060/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$2,172,571 · Scale 2, in force from 26 Feb 2026)